You have the ability to make financially attractive choices — At the end of a recent Medium article, I told a personal story. Of all the responses, this one resonated most —

There’s a pretty good chance we write them for you — Nearly a year ago I wrote a story called, We Don’t Write Money Articles For Poor People. Using my gentrifying Los Angeles neighborhood as the backdrop, I addressed the following: With good intentions, people make comments to money articles that touch on budgeting, being semi-retired, living in expensive and/or gentrifying…

The flawed logic of the so-called living wage. And why it holds people back. — I’m all for paying people more. My daughter works in a higher-end fast food restaurant and earns north of $20.00 an hour. That’s fantastic. And she lives in an expensive city. She makes it work — and work well — because she has choice and exercises it tactfully, if not…

There’s absolutely, positively no such thing as good debt — Credit cards create money problems for one near universal reason. They make your lifestyle seem easier — financially — than it actually is. Doesn’t matter if you’re rich or poor. The same fundamental reason applies. Exclude the chosen few who pay off their balances — in full — every month…

Preview: Domestic travel can be a rip-off. Go international. — This post was sent to paid subscribers of my Never Retire newsletter on Monday, July 25, 2022. You can subscribe to my Never Retire newsletter here. The newsletter focuses on ideas, research and strategies for those of us who will Never Retire. In today’s edition of the Never Retire newsletter…

The writing is on the wall. Don’t wait to decide on a strategy. — First, the good news. Then a bunch of objectively shitty news. Followed by something bigger than glimmers of hope. 51% of US households have a mortgage interest rate under 4%. 32% have a rate under 3%. This includes people who are mortgage-free. If this is you, you’re looking good. Relatively…

Instead, it’s something easier and probably in your control — If you’re well on your way to saving $1 million or more to fund a traditional retirement, nice work. Way to go. You’ll be like one of the people who witnessed the final game at Maple Leaf Gardens or the old Yankee Stadium. I was lucky enough to experience the…

Those ten words are killing us — culturally and financially — The American way of life is not up for negotiation. In 1992, at the Earth Summit in Rio de Janeiro, former President George H. W. Bush said those 10 words. The American way of life is not up for negotiation. Of course, the comment came in response to America’s unwillingness…

Simple + Straightforward: You might Never Retire — You could always live in a tent. Apparently, more than a few non-homeless people do just this. However, this probably isn’t feasible or desirable for most of us with choice in the matter. In today’s article, we address the idea of having choice in the matter alongside the death of…